DEBT STACKING GETTING OUT OF DEBT. DEBT STACKING WHAT IS DEBT STACKING AND HOW DOES IT WORK?
Debt FuAnds
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Income Funds Recommended Funds based on Long Term Trends Name of Scheme Inception NAV Date Rs 3 m 6 m 1 yr Incep Crisil Composite Bond Fund Index 2.66% 7.71% 14.39% -- Crisil Short Term Bond Fund Index 2.23% 5.11% 10.16% -- Aggressive Funds HDFC HIF - Dynamic 27-Apr-97 48.2176 2.90% 10.14% 16.77% 9.17% Reliance Dynamic Bond Fund 16-Nov-04 19.0052 2.67% 9.86% 15.60% 6.36% ICICI Prudential Income Opportunities Fund 18-Aug-08 19.4381 3.18% 8.48% 15.30% 10.56% IDFC SSIF - Invt Plan - Reg 14-Jul-00 34.1718 2.94% 10.99% 15.95% 8.71% ICICI Prudential Income Fund 9-Jul-98 43.8917 2.65% 9.86% 17.41% 9.24% Birla Sun Life Income Plus - Reg 21-Oct-95 63.1005 2.66% 10.36% 16.79% 9.93% UTI Bond Fund 4-May-98 41.9157 2.70% 9.62% 16.68% 8.84% Conservative Funds Birla Sun Life Dynamic Bond Fund - Ret 24-Sep-04 24.4426 2.74% 9.60% 15.21% 8.87% BNP Paribas Flexi Debt Fund 23-Sep-04 24.1544 2.97% 9.74% 15.12% 8.74% DSP BlackRock Strategic Bond Fund - IP 12-Nov-08 1670.6663 2.90% 9.25% 15.17% 8.37% Tata Income Fund - Plan A 28-Apr-97 43.1502 2.57% 8.21% 13.87% 8.49% Axis Dynamic Bond Fund 27-Apr-11 14.2582 2.52% 8.82% 14.56% 9.45% JPMorgan India Active Bond Fund - Ret 30-Jun-08 15.1877 2.67% 7.06% 13.32% 6.38% IDFC SSIF - MTP - Reg 8-Jul-03 23.5575 2.36% 6.07% 10.86% 7.57% Gilt Funds Recommended Funds based on Long Term Trends Name of Scheme Inception Date SBI Magnum Gilt LTP 30-Dec-00 30.3645 3.63% 13.22% 21.34% 8.10% UTI Gilt Advantage Fund - L T P 21-Jan-02 30.3768 3.06% 12.90% 21.91% 8.78% HDFC Gilt Fund - L T P 25-Jul-01 28.4431 3.14% 12.31% 19.59% 7.93% ICICI Prudential Long Term Gilt Fund 19-Aug-99 47.2769 2.94% 11.29% 18.68% 10.45% Franklin India GSF - LTP 7-Dec-01 32.8354 2.94% 12.04% 21.78% 9.34% Tata Gilt Mid Term Fund - Plan A 24-Jun-10 15.3645 2.89% 10.00% 17.35% 9.42% Birla Sun Life G Sec Fund - LT - Reg 28-Oct-99 41.6337 2.99% 11.79% 18.14% 9.68% Reliance G Sec Fund 22-Aug-08 18.0469 3.01% 11.84% 19.17% 9.28% L&T Gilt Investment 29-Mar-00 34.9057 3.80% 11.76% 19.20% 8.68% Monthly Income Plans Name of Scheme Inception Date Crisil MIP Blended Index 2.69% 7.61% 16.29% -- Aggressive Funds Birla Sun Life MIP II - Wealth 25 - Reg 22-May-04 29.2854 3.23% 12.13% 27.09% 10.40% Reliance MIP 12-Jan-04 33.4736 3.63% 10.37% 23.19% 11.37% UTI - MIS - Advantage Fund 16-Dec-03 30.9233 3.80% 8.71% 21.23% 10.51% IDFC Monthly Income Plan - Reg 25-Feb-10 16.5787 3.37% 8.90% 19.89% 10.43% Axis Income Saver Fund 16-Jul-10 15.2957 2.65% 6.81% 19.72% 9.44% HDFC MIP - LTP 26-Dec-03 34.5855 1.47% 7.52% 21.49% 11.64% ICICI Prudential MIP 25 30-Mar-04 30.6335 3.58% 10.57% 23.24% 10.70% Conservative Funds SBI Magnum MIP 9-Apr-01 30.0184 3.51% 9.81% 19.15% 8.16% Birla Sun Life MIP II - Savings 5 - Reg 1-May-04 26.4858 1.82% 8.85% 17.80% 9.33% Kotak Monthly Income Plan - Reg 2-Dec-03 23.3262 2.39% 7.94% 18.93% 7.76% UTI Monthly Income Scheme 12-Sep-02 28.4622 2.63% 6.93% 16.24% 8.69% Short Term Funds Recommended Funds based on Long Term Trends Name of Scheme Inception Date Crisil Liquid Fund Index 2.05% 4.22% 8.87% -- Crisil Composite Bond Fund Index 2.66% 7.71% 14.39% -- Crisil Short Term Bond Fund Index 2.23% 5.11% 10.16% -- Aggressive Funds HDFC HIF - S T P 6-Feb-02 27.5985 2.36% 5.71% 10.99% 8.02% ICICI Prudential STP 25-Oct-01 28.6295 2.26% 5.82% 11.50% 8.14% UTI Short Term Income Fund - IP 18-Sep-07 16.8237 2.23% 5.47% 10.88% 7.15% Reliance Short Term Fund 23-Dec-02 26.2062 2.35% 5.88% 11.04% 8.15% SBI Short Term Debt Fund 27-Jul-07 16.0301 2.31% 5.44% 10.27% 6.34% Kotak Bond Short Term Plan - Reg 2-May-02 26.1071 2.16% 5.03% 9.91% 7.71% DWS Short Maturity Fund 21-Jan-03 25.1790 2.49% 5.51% 11.02% 7.86% Conservative Funds Birla Sun Life Short Term Fund - Reg 3-Mar-97 52.3251 2.46% 5.63% 10.88% 9.58% JPMorgan India Banking & PSU Debt Fund - Reg 13-Sep-13 11.6729 2.50% 5.59% 11.03% 10.53% ICICI Prudential Banking & PSU Debt Fund - Reg 1-Jan-10 15.5411 2.53% 5.50% 10.48% 8.77% HDFC Short Term Opportunities Fund 25-Jun-10 15.2362 2.36% 5.16% 10.26% 9.24% Tata Short Term Bond Fund - Plan A 8-Aug-02 26.1035 2.42% 5.43% 10.64% 7.88% L&T Short Term Opportunities Fund 27-Dec-11 13.3986 2.10% 5.04% 10.20% 9.39% IDFC SSIF - Short Term - Reg 14-Dec-00 28.5252 2.20% 5.07% 9.94% 7.60% Ultra Short Term Funds Name of Scheme Inception NAV Date Rs 7d 1 m 3 m 6 m Crisil Liquid Fund Index 0.17% 0.71% 2.05% 4.22% Crisil Short Term Bond Fund Index 0.18% 0.71% 2.23% 5.11% Aggressive Funds Birla Sun Life Savings Fund - Reg 15-Apr-03 269.0676 0.30% 0.89% 2.27% 4.64% Kotak Treasury Advantage Fund - Reg 13-Aug-04 22.2702 0.31% 0.88% 2.22% 4.53% JPMorgan India Treasury Fund - Super IP 21-Sep-07 18.3624 0.31% 0.81% 2.21% 4.48% L&T Ultra Short Term Fund 10-Apr-03 22.6748 0.31% 0.85% 2.21% 4.44% Conservative Funds UTI Treasury Advantage Fund - IP 23-Apr-07 1897.3378 0.26% 0.81% 2.20% 4.55% Tata Floater Fund - Plan A 6-Sep-05 2100.6157 0.31% 0.88% 2.23% 4.46% ICICI Prudential Flexible Income Plan - Reg 27-Sep-02 263.1007 0.28% 0.85% 2.24% 4.56% HDFC F R I F - STF - WP 23-Oct-07 23.9573 0.32% 0.91% 2.30% 4.63% DWS Ultra Short-Term Fund 4-Jul-08 16.7764 0.31% 0.83% 2.29% 4.65% SBI SHDF - Ultra Short Term 27-Jul-07 1794.9347 0.34% 0.94% 2.32% 4.58% Reliance Money Manager Fund 20-Mar-07 1913.6923 0.33% 0.90% 2.19% 4.32% Baroda Pioneer Treasury Advantage Fund - Plan A 24-Jun-09 1593.5204 0.36% 0.91% 2.33% 4.59% IDFC Ultra Short Term Fund - Reg 17-Jan-06 19.5435 0.36% 0.95% 2.29% 4.53% Liquid Funds Name of Scheme Inception Date Crisil Liquid Fund Index 0.17% 0.71% 2.05% 4.22% Aggressive Funds IDFC Cash Fund - Reg 9-Jun-08 1698.9934 0.21% 0.77% 2.14% 4.35% ICICI Prudential Liquid - Reg 18-Nov-05 206.8570 0.19% 0.75% 2.12% 4.33% Kotak Floater - ST - Reg 14-Jul-03 2292.7735 0.25% 0.81% 2.19% 4.40% HDFC Liquid Fund 17-Oct-00 27.5763 0.19% 0.75% 2.11% 4.32% Tata Money Market Fund - Plan A 1-Sep-04 2200.0021 0.21% 0.77% 2.14% 4.35% Birla Sun Life Floating Rate Fund - STP - Reg 12-Oct-05 186.0939 0.23% 0.78% 2.15% 4.37% Reliance Liquidity Fund 16-Jun-05 2105.1398 0.20% 0.76% 2.12% 4.32% UTI Liquid Fund - Cash Plan - IP 10-Dec-03 2289.4670 0.19% 0.75% 2.11% 4.31% Conservative Funds ICICI Prudential Money Market Fund - Reg 8-Mar-06 193.2471 0.18% 0.74% 2.12% 4.33% DWS Insta Cash Plus Fund 4-Sep-07 181.3536 0.19% 0.75% 2.12% 4.34% L&T Liquid Fund 3-Oct-06 1916.8220 0.20% 0.76% 2.13% 4.35% DSP BlackRock Liquidity Fund - IP 23-Nov-05 1999.4756 0.23% 0.77% 2.14% 4.35% Axis Liquid Fund 9-Oct-09 1548.8024 0.20% 0.76% 2.13% 4.34% JPMorgan India Liquid Fund - Super IP 21-Sep-07 18.1070 0.18% 0.74% 2.09% 4.29% SBI Premier Liquid Fund - Reg 22-Mar-07 2195.7218 0.19% 0.75% 2.11% 4.30% Note: Return figures for all Debt Oriented Schemes are absolute for less than one year period. Moreover, past returns cannot be taken as an indicator of future performance. All the NAVs and return calculation are for the Growth Oriented Plans. As per SEBI circular dated September 13, 2012, fresh subscriptions/switch-ins will be accepted only under a single plan for all the schemes w.e.f from 1st October 2012. Debt Oriented Scheme recommendations have been made based on the methodology, which assigns weightages to parameters like Sharpe Ratio, Performance Consistency, Corpus, Past Performance, Expenses, Credit Risk and Volatility. Returns for As on March 31st, 2015 Returns for
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Transcript of Debt FuAnds
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Income Funds
Recommended Funds based on Long Term Trends
Name of Scheme Inception NAVDate Rs 3 m 6 m 1 yr Incep
Crisil Composite Bond Fund Index 2.66% 7.71% 14.39% --Crisil Short Term Bond Fund Index 2.23% 5.11% 10.16% --
Aggressive FundsHDFC HIF - Dynamic 27-Apr-97 48.2176 2.90% 10.14% 16.77% 9.17%Reliance Dynamic Bond Fund 16-Nov-04 19.0052 2.67% 9.86% 15.60% 6.36%ICICI Prudential Income Opportunities Fund 18-Aug-08 19.4381 3.18% 8.48% 15.30% 10.56%IDFC SSIF - Invt Plan - Reg 14-Jul-00 34.1718 2.94% 10.99% 15.95% 8.71%ICICI Prudential Income Fund 9-Jul-98 43.8917 2.65% 9.86% 17.41% 9.24%Birla Sun Life Income Plus - Reg 21-Oct-95 63.1005 2.66% 10.36% 16.79% 9.93%UTI Bond Fund 4-May-98 41.9157 2.70% 9.62% 16.68% 8.84%
Conservative FundsBirla Sun Life Dynamic Bond Fund - Ret 24-Sep-04 24.4426 2.74% 9.60% 15.21% 8.87%BNP Paribas Flexi Debt Fund 23-Sep-04 24.1544 2.97% 9.74% 15.12% 8.74%DSP BlackRock Strategic Bond Fund - IP 12-Nov-08 1670.6663 2.90% 9.25% 15.17% 8.37%Tata Income Fund - Plan A 28-Apr-97 43.1502 2.57% 8.21% 13.87% 8.49%Axis Dynamic Bond Fund 27-Apr-11 14.2582 2.52% 8.82% 14.56% 9.45%JPMorgan India Active Bond Fund - Ret 30-Jun-08 15.1877 2.67% 7.06% 13.32% 6.38%IDFC SSIF - MTP - Reg 8-Jul-03 23.5575 2.36% 6.07% 10.86% 7.57%
Gilt FundsRecommended Funds based on Long Term TrendsName of Scheme Inception
DateSBI Magnum Gilt LTP 30-Dec-00 30.3645 3.63% 13.22% 21.34% 8.10%UTI Gilt Advantage Fund - L T P 21-Jan-02 30.3768 3.06% 12.90% 21.91% 8.78%HDFC Gilt Fund - L T P 25-Jul-01 28.4431 3.14% 12.31% 19.59% 7.93%ICICI Prudential Long Term Gilt Fund 19-Aug-99 47.2769 2.94% 11.29% 18.68% 10.45%Franklin India GSF - LTP 7-Dec-01 32.8354 2.94% 12.04% 21.78% 9.34%Tata Gilt Mid Term Fund - Plan A 24-Jun-10 15.3645 2.89% 10.00% 17.35% 9.42%Birla Sun Life G Sec Fund - LT - Reg 28-Oct-99 41.6337 2.99% 11.79% 18.14% 9.68%Reliance G Sec Fund 22-Aug-08 18.0469 3.01% 11.84% 19.17% 9.28%L&T Gilt Investment 29-Mar-00 34.9057 3.80% 11.76% 19.20% 8.68%
Monthly Income PlansName of Scheme Inception
DateCrisil MIP Blended Index 2.69% 7.61% 16.29% --
Aggressive FundsBirla Sun Life MIP II - Wealth 25 - Reg 22-May-04 29.2854 3.23% 12.13% 27.09% 10.40%Reliance MIP 12-Jan-04 33.4736 3.63% 10.37% 23.19% 11.37%UTI - MIS - Advantage Fund 16-Dec-03 30.9233 3.80% 8.71% 21.23% 10.51%IDFC Monthly Income Plan - Reg 25-Feb-10 16.5787 3.37% 8.90% 19.89% 10.43%Axis Income Saver Fund 16-Jul-10 15.2957 2.65% 6.81% 19.72% 9.44%HDFC MIP - LTP 26-Dec-03 34.5855 1.47% 7.52% 21.49% 11.64%ICICI Prudential MIP 25 30-Mar-04 30.6335 3.58% 10.57% 23.24% 10.70%
Conservative FundsSBI Magnum MIP 9-Apr-01 30.0184 3.51% 9.81% 19.15% 8.16%Birla Sun Life MIP II - Savings 5 - Reg 1-May-04 26.4858 1.82% 8.85% 17.80% 9.33%Kotak Monthly Income Plan - Reg 2-Dec-03 23.3262 2.39% 7.94% 18.93% 7.76%UTI Monthly Income Scheme 12-Sep-02 28.4622 2.63% 6.93% 16.24% 8.69%
Short Term FundsRecommended Funds based on Long Term TrendsName of Scheme Inception
DateCrisil Liquid Fund Index 2.05% 4.22% 8.87% --Crisil Composite Bond Fund Index 2.66% 7.71% 14.39% --Crisil Short Term Bond Fund Index 2.23% 5.11% 10.16% --
Aggressive FundsHDFC HIF - S T P 6-Feb-02 27.5985 2.36% 5.71% 10.99% 8.02%ICICI Prudential STP 25-Oct-01 28.6295 2.26% 5.82% 11.50% 8.14%UTI Short Term Income Fund - IP 18-Sep-07 16.8237 2.23% 5.47% 10.88% 7.15%Reliance Short Term Fund 23-Dec-02 26.2062 2.35% 5.88% 11.04% 8.15%SBI Short Term Debt Fund 27-Jul-07 16.0301 2.31% 5.44% 10.27% 6.34%Kotak Bond Short Term Plan - Reg 2-May-02 26.1071 2.16% 5.03% 9.91% 7.71%DWS Short Maturity Fund 21-Jan-03 25.1790 2.49% 5.51% 11.02% 7.86%
Conservative FundsBirla Sun Life Short Term Fund - Reg 3-Mar-97 52.3251 2.46% 5.63% 10.88% 9.58%JPMorgan India Banking & PSU Debt Fund - Reg 13-Sep-13 11.6729 2.50% 5.59% 11.03% 10.53%ICICI Prudential Banking & PSU Debt Fund - Reg 1-Jan-10 15.5411 2.53% 5.50% 10.48% 8.77%HDFC Short Term Opportunities Fund 25-Jun-10 15.2362 2.36% 5.16% 10.26% 9.24%Tata Short Term Bond Fund - Plan A 8-Aug-02 26.1035 2.42% 5.43% 10.64% 7.88%L&T Short Term Opportunities Fund 27-Dec-11 13.3986 2.10% 5.04% 10.20% 9.39%IDFC SSIF - Short Term - Reg 14-Dec-00 28.5252 2.20% 5.07% 9.94% 7.60%
Ultra Short Term FundsName of Scheme Inception NAV
Date Rs 7d 1 m 3 m 6 mCrisil Liquid Fund Index 0.17% 0.71% 2.05% 4.22%Crisil Short Term Bond Fund Index 0.18% 0.71% 2.23% 5.11%
Aggressive FundsBirla Sun Life Savings Fund - Reg 15-Apr-03 269.0676 0.30% 0.89% 2.27% 4.64%Kotak Treasury Advantage Fund - Reg 13-Aug-04 22.2702 0.31% 0.88% 2.22% 4.53%JPMorgan India Treasury Fund - Super IP 21-Sep-07 18.3624 0.31% 0.81% 2.21% 4.48%L&T Ultra Short Term Fund 10-Apr-03 22.6748 0.31% 0.85% 2.21% 4.44%
Conservative FundsUTI Treasury Advantage Fund - IP 23-Apr-07 1897.3378 0.26% 0.81% 2.20% 4.55%Tata Floater Fund - Plan A 6-Sep-05 2100.6157 0.31% 0.88% 2.23% 4.46%ICICI Prudential Flexible Income Plan - Reg 27-Sep-02 263.1007 0.28% 0.85% 2.24% 4.56%HDFC F R I F - STF - WP 23-Oct-07 23.9573 0.32% 0.91% 2.30% 4.63%DWS Ultra Short-Term Fund 4-Jul-08 16.7764 0.31% 0.83% 2.29% 4.65%SBI SHDF - Ultra Short Term 27-Jul-07 1794.9347 0.34% 0.94% 2.32% 4.58%Reliance Money Manager Fund 20-Mar-07 1913.6923 0.33% 0.90% 2.19% 4.32%Baroda Pioneer Treasury Advantage Fund - Plan A 24-Jun-09 1593.5204 0.36% 0.91% 2.33% 4.59%IDFC Ultra Short Term Fund - Reg 17-Jan-06 19.5435 0.36% 0.95% 2.29% 4.53%
Liquid Funds Name of Scheme Inception
DateCrisil Liquid Fund Index 0.17% 0.71% 2.05% 4.22%
Aggressive FundsIDFC Cash Fund - Reg 9-Jun-08 1698.9934 0.21% 0.77% 2.14% 4.35%ICICI Prudential Liquid - Reg 18-Nov-05 206.8570 0.19% 0.75% 2.12% 4.33%Kotak Floater - ST - Reg 14-Jul-03 2292.7735 0.25% 0.81% 2.19% 4.40%HDFC Liquid Fund 17-Oct-00 27.5763 0.19% 0.75% 2.11% 4.32%Tata Money Market Fund - Plan A 1-Sep-04 2200.0021 0.21% 0.77% 2.14% 4.35%Birla Sun Life Floating Rate Fund - STP - Reg 12-Oct-05 186.0939 0.23% 0.78% 2.15% 4.37%Reliance Liquidity Fund 16-Jun-05 2105.1398 0.20% 0.76% 2.12% 4.32%UTI Liquid Fund - Cash Plan - IP 10-Dec-03 2289.4670 0.19% 0.75% 2.11% 4.31%
Conservative FundsICICI Prudential Money Market Fund - Reg 8-Mar-06 193.2471 0.18% 0.74% 2.12% 4.33%DWS Insta Cash Plus Fund 4-Sep-07 181.3536 0.19% 0.75% 2.12% 4.34%L&T Liquid Fund 3-Oct-06 1916.8220 0.20% 0.76% 2.13% 4.35%DSP BlackRock Liquidity Fund - IP 23-Nov-05 1999.4756 0.23% 0.77% 2.14% 4.35%Axis Liquid Fund 9-Oct-09 1548.8024 0.20% 0.76% 2.13% 4.34%JPMorgan India Liquid Fund - Super IP 21-Sep-07 18.1070 0.18% 0.74% 2.09% 4.29%SBI Premier Liquid Fund - Reg 22-Mar-07 2195.7218 0.19% 0.75% 2.11% 4.30%
Note: Return figures for all Debt Oriented Schemes are absolute for less than one year period. Moreover, past returns cannot be taken as an indicator of future performance.
All the NAVs and return calculation are for the Growth Oriented Plans. As per SEBI circular dated September 13, 2012, fresh subscriptions/switch-ins will be accepted only under a single plan for all the schemes w.e.f from 1st October 2012.
Debt Oriented Scheme recommendations have been made based on the methodology, which assigns weightages to parameters like Sharpe Ratio, Performance Consistency, Corpus, Past Performance, Expenses, Credit Risk and Volatility.
Returns for
As on March 31st, 2015
Returns for
